Confidential  ·  No obligation  ·  Guaranteed issue
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Healthcare That Works For Everyone
Real Coverage. Real Support.
On Your Terms.

Realm Health delivers affordable, guaranteed-issue healthcare
for growing businesses, transportation workers, and members —
with the support to make it actually work.

Who We Serve

Three Ways Realm Health Has You Covered

Whether you're a business owner, an employee, or a worker on the move — Realm was built for you.
Healthcare strategy that reduces costs, improves retention, and gives your team real support — not just a plan number to call.

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Realm Stay Covered

Your healthcare doesn't have to disappear when employment changes. Coverage and support that goes wherever your career takes you.


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Advocacy

Healthcare is complicated and navigating it alone shouldn't be the standard. Our advocates are real people ready to help you make sense of it all.

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Affordable Plans for Everyone

Guaranteed-issue health, life, dental, vision, and more — at a price point less than your mortgage. No underwriting. No surprises.

See Plans

For Growing Businesses

Healthcare That Works for Your Business —
Not Against It

For most small and mid-sized businesses, healthcare feels unpredictable, expensive, and frustrating. Realm Health changes that.

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For Growing Businesses

Is Realm Health Right for You?

This Is For You If:
  • You're a small or mid-sized business owner
  • You lead HR or operations for a growing team
  • You're focused on stability, growth, and retention
  • You want healthcare to actually work
  • You're a franchise operator or professional services firm


Not For You If:
  • You're only chasing the lowest premium
  • You want a hands-off, self-serve experience
  • Employee support and education isn't a priority
  • You treat healthcare as a short-term checkbox

Our Plans

Delivering the Best Benefits

Guaranteed issue. Low premiums. First dollar coverage. No underwriting required.

Health Plans

Self Funded, Level Funded, MVP, MEC/MEC+ ACA compliant plans at composite rates with low deductibles include: prescription coverage, doctor copays, hospitalization, out-patient services, emergency room, minor and major diagnostics, and more.

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Hospital Indemnity

Guarantee issue multiple plan options at low premiums, first dollar coverage from day one with a national PPO network.

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Critical Illness Benefit Booster

Realm Health's Critical Care Benefit Booster provides additional benefits when an individual is diagnosed with heart attack, stroke, cancer, plus 5 other conditions.

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Accident Insurance

Our Accident Insurance Plan provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death.

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Term Life

Guarantee issue up to $50,000.

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Advocacy

Your healthcare defense team: We'll help you find quality, low cost providers in your area, negotiate overpriced bills, and eliminate fraudulent charges.

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Additional Benefits

  • Telemedicine
  • Dental
  • Vision
  • Short & Long Term Disability
  • and Much More
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  • Find Out Which Plan Works For You
  • Realm Health Insurance Agency also provides access to association and individually underwritten plans that cover many of the same services available through customized group plans.

    Plan Highlights

    We've Got You Covered

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    Convenience

    Cash benefits with streamlined flexibility from day one*

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    Direct Payments

    Benefits paid directly to you or your provider*


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    First Dollar

    Coverage without coordination or offset of benefits*



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    Freedom

    Use cash benefits however they're needed most*

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    Family

    Protection for your spouse and children

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    Guaranteed Issue

    No health questions. No underwriting.

    *Does not apply to Dental and Vision plans or level funded medical plans.

    Advocacy

    Someone In Your Corner — Every Step of the Way

    Healthcare is complicated. Navigating it alone shouldn't be the standard. Our advocates are real people — not bots, not call centers — ready to help you make sense of it all.

    "Complex issues become simple solutions."

    With Realm Health advocacy on your team, you never have to face the healthcare system alone. One phone call is all it takes.

    Talk to an Advocate

    Realm Stay Covered*

    Your healthcare doesn't leave when you do.

    If your employment changes, Realm doesn't disappear. Your plan, your support, and your coverage move with you — same day, zero gaps.
    *Coverage through Realm Stay Covered is subject to application approval and dependent on plan.

    Learn More About Stay Covered

    Same Day

    Your dedicated Realm agent contacts you the moment your employment changes — not in a week.

    Same Plan

    Your coverage stays exactly the same. We simply update how it's administered so it belongs to you directly.

    Zero Gaps

    No employer required. Your healthcare belongs to you and stays with you wherever your career goes next.

    *Coverage through Realm Stay Covered is subject to application approval and dependent on plan.



    Book a Free Consultation
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    For Employers & Employees

    Built for both sides of employment

    For employees

    Whether you're leaving by choice or circumstance, coverage should never become a crisis.

    • Keep your coverage*
    • Same Realm advocates in your corner
    • No COBRA confusion*
    • Coverage active before your last day
    • *Coverage through Realm Stay Covered is subject to application approval and dependent on plan.



    For employers

    Benefits that survive your turnover. When someone leaves, Realm handles their transition — and gets your replacement enrolled before day one.

    • Departing employees transition seamlessly
    • Replacement enrollment starts immediately
    • No administrative chaos on your end
    • Realm manages outreach for both sides

  • Learn More About Real Stay Covered

  • Realm Health OnDemand

    Healthcare Shouldn't Be Confusing. Here's Exactly How Yours Works.

    OnDemand is Realm Health's centralized education and member portal — everything you need to understand your plan, use your benefits, and get support, all in one place.

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    Education Center

    Educational resources, Realm Health Webinars, and Realm Health Live sessions designed for members, employers, and those exploring Realm Health — providing valuable insights, practical guidance, and a better understanding of healthcare, benefits, and the solutions available to them.

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    Coming Soon

    Learning Video Library

    Quick, easy-to-follow videos covering claims, provider searches, EOBs, hospital bills, benefits, healthcare costs, and more. Recorded by real Realm Health experts, these short videos provide practical answers and helpful guidance for members, employers, and anyone looking to better understand and navigate healthcare.

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    Blog & Content Hub

    Helpful, education-first articles covering claims, EOBs, provider networks, healthcare costs, benefits, employer guidance, industry trends, and more. Created for members, employers, and those exploring their healthcare options, our content provides clear, practical information to help you better understand healthcare and make more informed decisions.



  • Learn More About OnDemand
  • Your plan is structured to work. OnDemand makes sure you know how to use it.

    From enrollment to your first claim — and every confusing piece of mail in between — Realm Health OnDemand gives every member the clarity to navigate their healthcare with confidence.

    Explore OnDemand

    Support Services

    More Than a Plan — A Healthcare Partner

    Every Realm member gets access to tools and advocates that make healthcare actually work in real life.



    Telehealth

    24/7 access to board-certified physicians in English or Spanish. Personalized treatment plans and coordinated care that removes barriers to access.

    • Minor illness & injury
    • Chronic health concerns
    • Mental health support
    • Prescriptions & refills
    • Specialist referrals & labs
    • Urgent care issues


    Advocacy

    A simple phone call connects you with a real advocate who helps navigate billing disputes, find specialists, and resolve insurance issues — no runarounds.

    • Find in-network specialists near you
    • Billing statement questions
    • Insurance dispute resolution
    • Care navigation support
    • Answers to complex coverage questions


    Realm OnDemand App

    All your benefits in one easy-to-use app. Access everything you need, when you need it — including same-day prescriptions.

    • Quick access to all benefits info
    • Find-a-Doc & provider services
    • Click-to-call contact directory
    • Submit questions to Realm Health
    • Same day prescriptions

    Our Promise

    Get Real. Get Covered.

    Healthcare should not be for the elite. With Realm Health, you CAN afford coverage —
    for yourself, your spouse, and your children — at a price point less than your mortgage.


  • Get a Custom Benefits Plan
  • Testimonies

    What our customers are saying.

    What Happens Next

    A Simple, Low-Pressure Process

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    We Learn About You

    A Realm advisor learns your business, team, and goals — no jargon, no pressure.

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    We Identify Opportunities

    We find ways to simplify, protect, and improve your healthcare approach.

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    We Outline Next Steps

    If it makes sense, we move forward — clearly and at your pace. No hard sell.

    Get In Touch

    Have Questions About Your Coverage?

    Our team is ready to help you find the right plan. Whether you have a question about enrollment, benefits, or pricing — we're just a message away. No obligation, no pressure.

    • Guaranteed issue — no medical underwriting required
    • Coverage starts on the first of the month after the date of enrollment
    • Licensed in 48 states. Realm Health and our agents are not licensed in NY and WA
    • Confidential — your information stays private